| 00 | 
                                                                                                                                                Good | 
                                                                                                                                                Approved or completed successfully | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 80 | 
                                                                                                                                                Good | 
                                                                                                                                                Approval for Purchase Amount only | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 83 | 
                                                                                                                                                Good | 
                                                                                                                                                Not declined (Valid for all zero amount transactions) | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 01 | 
                                                                                                                                                Good | 
                                                                                                                                                Approved or completed successfully | 
                                                                        
                                                                                                                                                
                                                                            A01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 11 | 
                                                                                                                                                Good | 
                                                                                                                                                Partial Approval | 
                                                                        
                                                                                                                                                
                                                                            A05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 04 | 
                                                                                                                                                Soft | 
                                                                                                                                                Do not Honour | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 59 | 
                                                                                                                                                Soft | 
                                                                                                                                                Suspected Fraud | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 05 | 
                                                                                                                                                Soft | 
                                                                                                                                                Do not honour | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 67 | 
                                                                                                                                                Soft | 
                                                                                                                                                Retain Card; no reason specified | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 07 | 
                                                                                                                                                Soft | 
                                                                                                                                                Honour with ID | 
                                                                        
                                                                                                                                                
                                                                            D01                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 51 | 
                                                                                                                                                Soft | 
                                                                                                                                                Not sufficient funds | 
                                                                        
                                                                                                                                                
                                                                            D03                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 44 | 
                                                                                                                                                Hard | 
                                                                                                                                                Pickup Card | 
                                                                        
                                                                                                                                                
                                                                            D04                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 42 | 
                                                                                                                                                Hard | 
                                                                                                                                                Special Pickup | 
                                                                        
                                                                                                                                                
                                                                            D04                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 43 | 
                                                                                                                                                Hard | 
                                                                                                                                                Hot Card, Pickup (if possible) | 
                                                                        
                                                                                                                                                
                                                                            D04                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 14 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid card number | 
                                                                        
                                                                                                                                                
                                                                            D05                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 76 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid Account | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 23 | 
                                                                                                                                                Hard | 
                                                                                                                                                No Saving Account | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 21 | 
                                                                                                                                                Hard | 
                                                                                                                                                No To Account | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 24 | 
                                                                                                                                                Hard | 
                                                                                                                                                No Credit Account | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 20 | 
                                                                                                                                                Hard | 
                                                                                                                                                No From Account | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 22 | 
                                                                                                                                                Hard | 
                                                                                                                                                No Checking Account | 
                                                                        
                                                                                                                                                
                                                                            D06                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 55 | 
                                                                                                                                                Soft | 
                                                                                                                                                Incorrect PIN; Re-enter | 
                                                                        
                                                                                                                                                
                                                                            D07                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 82 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid Card Verification Value (CVV) | 
                                                                        
                                                                                                                                                
                                                                            D08                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N7 | 
                                                                                                                                                Soft | 
                                                                                                                                                N7 (visa), Decline CVV2 failure | 
                                                                        
                                                                                                                                                
                                                                            D08                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 94 | 
                                                                                                                                                Soft | 
                                                                                                                                                Duplicate Transaction | 
                                                                        
                                                                                                                                                
                                                                            D09                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 41 | 
                                                                                                                                                Hard | 
                                                                                                                                                Lost Card, Pickup | 
                                                                        
                                                                                                                                                
                                                                            D10                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 58 | 
                                                                                                                                                Soft | 
                                                                                                                                                Txn Not Permitted On Term | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 77 | 
                                                                                                                                                Soft | 
                                                                                                                                                Issuer Does Not Participate In The Service | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 57 | 
                                                                                                                                                Soft | 
                                                                                                                                                Transaction not permitted on card | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 39 | 
                                                                                                                                                Soft | 
                                                                                                                                                Transaction Not Allowed | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N3 | 
                                                                                                                                                Soft | 
                                                                                                                                                Cash Service Not Available | 
                                                                        
                                                                                                                                                
                                                                            D12                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 65 | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds frequency limit | 
                                                                        
                                                                                                                                                
                                                                            D15                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N4 | 
                                                                                                                                                Soft | 
                                                                                                                                                Cash Back Request Exceeds Issuer Limit | 
                                                                        
                                                                                                                                                
                                                                            D15                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 66 | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds Acquirer Limit | 
                                                                        
                                                                                                                                                
                                                                            D15                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 61 | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds amount limit | 
                                                                        
                                                                                                                                                
                                                                            D15                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 54 | 
                                                                                                                                                Hard | 
                                                                                                                                                Expired card | 
                                                                        
                                                                                                                                                
                                                                            D16                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 19 | 
                                                                                                                                                Soft | 
                                                                                                                                                System Error; Re-enter transaction | 
                                                                        
                                                                                                                                                
                                                                            D17                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 13 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid amount | 
                                                                        
                                                                                                                                                
                                                                            D18                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 75 | 
                                                                                                                                                Soft | 
                                                                                                                                                Exceeds PIN Retry | 
                                                                        
                                                                                                                                                
                                                                            D21                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 30 | 
                                                                                                                                                Hard | 
                                                                                                                                                Format error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 84 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid Life Cycle of transaction | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 10 | 
                                                                                                                                                Hard | 
                                                                                                                                                Unable to Reverse | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | R0 | 
                                                                                                                                                Hard | 
                                                                                                                                                Stop Payment Order | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 89 | 
                                                                                                                                                Hard | 
                                                                                                                                                Security Violation | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 79 | 
                                                                                                                                                Hard | 
                                                                                                                                                Key Validation Error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 93 | 
                                                                                                                                                Hard | 
                                                                                                                                                Transaction cannot be completed | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 68 | 
                                                                                                                                                Hard | 
                                                                                                                                                Response received too late | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 08 | 
                                                                                                                                                Hard | 
                                                                                                                                                Time-Out | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 87 | 
                                                                                                                                                Hard | 
                                                                                                                                                PIN Key Error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 34 | 
                                                                                                                                                Hard | 
                                                                                                                                                Implausible card data | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 85 | 
                                                                                                                                                Hard | 
                                                                                                                                                No Keys To use | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | R1 | 
                                                                                                                                                Hard | 
                                                                                                                                                Revocation of Authorisation Order | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 91 | 
                                                                                                                                                Hard | 
                                                                                                                                                Issuer not available | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 09 | 
                                                                                                                                                Hard | 
                                                                                                                                                No Original | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 88 | 
                                                                                                                                                Hard | 
                                                                                                                                                MAC sync Error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 78 | 
                                                                                                                                                Hard | 
                                                                                                                                                Function Not Available | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 12 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid transaction card / issuer / acquirer | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 63 | 
                                                                                                                                                Hard | 
                                                                                                                                                MAC Key Error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 86 | 
                                                                                                                                                Hard | 
                                                                                                                                                K M E Sync Error | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | R3 | 
                                                                                                                                                Hard | 
                                                                                                                                                Revocation of all Authorisations Order | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 92 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid Issuer | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 81 | 
                                                                                                                                                Hard | 
                                                                                                                                                Unable to Verify PIN | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 17 | 
                                                                                                                                                Hard | 
                                                                                                                                                Invalid Capture date (terminal business date) | 
                                                                        
                                                                                                                                                
                                                                            D27                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 62 | 
                                                                                                                                                Soft | 
                                                                                                                                                Restricted card | 
                                                                        
                                                                                                                                                
                                                                            D29                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 02 | 
                                                                                                                                                Soft | 
                                                                                                                                                Refer to card issuer | 
                                                                        
                                                                                                                                                
                                                                            D30                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 03 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid merchant | 
                                                                        
                                                                                                                                                
                                                                            D33                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 06 | 
                                                                                                                                                Soft | 
                                                                                                                                                Invalid Transaction for Terminal | 
                                                                        
                                                                                                                                                
                                                                            D34                                                                         |